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香港德輔道中 71 號永安集團大廈 9樓9/F., Wing On House, 71 Des Voeux Road Central, Hong Kong.
Tel: 2867 0888 Fax: 3906 9920查詢熱線 Enquiry Hotline: 3187 5100
Private Motor Car insuranCe PoliCy
Please read this Policy carefully upon receipt and promptly request for any necessary amendmentsPersonal Information Collection Statement
The information you provide to Bank of China Group Insurance Company Limited ("the Company") is collected to enable the Company to carry on insurance business and may be used for the purpose of:(i) processing and evaluating your insurance application and any future insurance application you may make;(ii) administering your insurance policy and providing services in relation to your insurance policy;(iii) analysis or investigating, processing and paying claims made under your insurance policy;(iv) invoicing and collecting premiums and outstanding amounts from you;(v) any alterations, variations, cancellation or renewal of any insurance related product or service;(vi) contacting you for any of the above purposes;(vii) exercising any right of subrogation;(viii) other ancillary purposes which are directly related to the above purposes; and(ix) complying with applicable laws, regulations or any industry codes or guidelines.
The Company may disclose your personal data for the above purposes to the following classes of transferees:(a) third party agents, contractors and advisors who provide administrative, communications, computer, payment, security or other services which
assist us to carry out the above purposes (including medical service providers, emergency assistance service providers, telemarketers, mailing houses, IT service providers and data processors);
(b) in the event of a claim, loss adjudicators, claims investigators and medical advisors;(c) in the event of default, debt collectors and recovery agents;(d) insurance reference bureaus or credit reference bureaus;(e) reinsurers and reinsurance brokers;(f) your insurance broker (if you have one);(g) the Company’s legal and professional advisors;(h) theCompany’srelatedcompanies(asthattermisdefinedintheCompaniesOrdinance);(i) any association, federation or similar organization of insurance companies ("Federation") and its members that exists or is formed from time to
time for any of the above or related purposes or to enable the Federation to carry out its regulatory functions or such other functions that may be assigned to the Federation from time to time and are reasonably required in the interest of the insurance industry or any member(s) of the Federation;
(j) any member(s) of the "Federation" by the "Federation" for any of the above or related purposes;(k) any related company or any other company carrying on insurance or reinsurance related business or an intermediary or a claims or investigation
or other service provider providing services relevant to insurance business for any of the above or related purposes;(l) the Insurance Claims Complaints Bureau and similar industry bodies; and(m) government agencies and authorities as required or permitted by law.
The Company is hereby authorized to obtain access to and/or to verify any of your data with the information collected by the Federation from the insurance industry.
Moreover, the Company may also use and disclose your personal data otherwise with your consent.
You have the right to obtain access to and to request correction of any personal information concerning yourself held by the Company. Requests for such access can be made to the Company’s Legal and Compliance Department (Tel: 2867 0888 / Fax: 3906 9939).
Use of Personal Data in Direct MarketingWith your written consent given for direct marketing purpose (which includes an indication of no objection), the Company intends to use your data in directmarketing.TheCompanywillonlyactinaccordancewiththerulesaboutdirectmarketingcontainedintheOrdinance.Pleasenotethat:(1) your name, contact details, products and services portfolio information and demographic data held by the Company may be used by the Company
in direct marketing from time to time;(2) the following classes of services, products and subjects may be marketed: (i) financial,insuranceandrelatedservicesandproducts; (ii) reward, loyalty or privileges programmes and related services and products;
IMPORTANT NOTICE 重要聲明Immediate notice should be given to the Company in the event of any accidental damage to the Motor Car and the Company may exercise its option to nominate a garage for te repair.
受保車輛因意外受損需作修理時，應立即通知本公司，而本公司可指定車廠進行修理。
In the event of cancellation or alteration of this Policy, the minimum Premium will be charged at the discretion of the Company.
若取消或更改本保單，本公司將酌情收取最低保費。
(iii) services and products offered by the Company's co-branding partners (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); and
(iv) donationsandcontributionsforcharitableand/ornon-profitmakingpurposes;(3) the above services, products and subjects may be provided to or (in the case of donations and contributions) contributed to by the Company and/
or: (i) theCompanyorBOCHongKong(Holdings)Limitedoranyofitssubsidiaries; (ii) third party reward, loyalty, co-branding or privileges programme providers; (iii) co-brandingpartnersoftheCompanyandBOCHongKong(Holdings)Limited(thenamesofsuchco-brandingpartnerscanbefoundon
the application form(s) for the relevant services and products, as the case may be); and (iv) charitableornon-profitmakingorganisations;(4) in addition to marketing the above services, products and subjects itself, the Company also intends to provide the data described in paragraph (1)
above to all or any of the persons described in paragraph (3) above for use by them in marketing those services, products and subjects, and the Company requires your written consent (which includes an indication of no objection) for that purpose;
If you do not wish the Company to use or provide to other persons your data for use in direct marketing as described above, you shall exercise your opt-out right by notifying the Legal and Compliance Department of the Company (Tel.:2867 0888, Fax no.:3906 9939).
MPC-P-2013-V09 2014-01 40,000 C&C
The Company will not be liable under this Policy in respect of any accident, loss, damage or liability caused, sustained or incurred whilst the motor
vehicle is being driven by, or is in the charge of, or is under the control of the Insured or insured driver:
A. who is convicted of an offence for being under the influence of drink or drugs to such an extent as to be incapable of having proper control of the
motor vehicle; or
B. when the proportion of alcohol in his/her breath, blood or urine exceeds the prescribed limit as stipulated in section 2 of the road traffic ordinance
(cap.374) As may be amended from time to time or any legislation which replaces the same; or
C. who is convicted of an offence for failing, without reasonable excuse, to provide a specimen of breath, blood, or urine for testing or analysis as
required by law.
P95 - DRIVING UNDER THE INFLUENCE OF DRINK OR DRUGS EXCLUSION
SPC - SEEPAGE, POLLUTION AND CONTAMINATION CLAUSE
The Company will not be liable under this Policy in respect of any accident, loss, damage or liability caused, sustained or incurred whilst the motor
vehicle is being driven by, or is in the charge of, or is under the control of the Insured or insured driver:
A. who is convicted of an offence for being under the influence of drink or drugs to such an extent as to be incapable of having proper control of the
motor vehicle; or
B. when the proportion of alcohol in his/her breath, blood or urine exceeds the prescribed limit as stipulated in section 2 of the road traffic ordinance
(cap.374) As may be amended from time to time or any legislation which replaces the same; or
C. who is convicted of an offence for failing, without reasonable excuse, to provide a specimen of breath, blood, or urine for testing or analysis as
required by law.
P95 - DRIVING UNDER THE INFLUENCE OF DRINK OR DRUGS EXCLUSION
SPC - SEEPAGE, POLLUTION AND CONTAMINATION CLAUSE
The Company will not be liable under this Policy in respect of any accident, loss, damage or liability caused, sustained or incurred whilst the motor
vehicle is being driven by, or is in the charge of, or is under the control of the Insured or insured driver:
A. who is convicted of an offence for being under the influence of drink or drugs to such an extent as to be incapable of having proper control of the
motor vehicle; or
B. when the proportion of alcohol in his/her breath, blood or urine exceeds the prescribed limit as stipulated in section 2 of the road traffic ordinance
(cap.374) As may be amended from time to time or any legislation which replaces the same; or
C. who is convicted of an offence for failing, without reasonable excuse, to provide a specimen of breath, blood, or urine for testing or analysis as
required by law.
P95 - DRIVING UNDER THE INFLUENCE OF DRINK OR DRUGS EXCLUSION
SPC - SEEPAGE, POLLUTION AND CONTAMINATION CLAUSE
The Company will not be liable under this Policy in respect of any accident, loss, damage or liability caused, sustained or incurred whilst the motor
vehicle is being driven by, or is in the charge of, or is under the control of the Insured or insured driver:
A. who is convicted of an offence for being under the influence of drink or drugs to such an extent as to be incapable of having proper control of the
motor vehicle; or
B. when the proportion of alcohol in his/her breath, blood or urine exceeds the prescribed limit as stipulated in section 2 of the road traffic ordinance
(cap.374) As may be amended from time to time or any legislation which replaces the same; or
C. who is convicted of an offence for failing, without reasonable excuse, to provide a specimen of breath, blood, or urine for testing or analysis as
required by law.
P95 - DRIVING UNDER THE INFLUENCE OF DRINK OR DRUGS EXCLUSION
SPC - SEEPAGE, POLLUTION AND CONTAMINATION CLAUSE
香港德輔道中 71 號永安集團大廈 9樓9/F., Wing On House, 71 Des Voeux Road Central, Hong Kong.
Tel: 2867 0888 Fax: 3906 9920查詢熱線 Enquiry Hotline: 3187 5100
Private Motor Car insuranCe PoliCy
Please read this Policy carefully upon receipt and promptly request for any necessary amendmentsPersonal Information Collection Statement
The information you provide to Bank of China Group Insurance Company Limited ("the Company") is collected to enable the Company to carry on insurance business and may be used for the purpose of:(i) processing and evaluating your insurance application and any future insurance application you may make;(ii) administering your insurance policy and providing services in relation to your insurance policy;(iii) analysis or investigating, processing and paying claims made under your insurance policy;(iv) invoicing and collecting premiums and outstanding amounts from you;(v) any alterations, variations, cancellation or renewal of any insurance related product or service;(vi) contacting you for any of the above purposes;(vii) exercising any right of subrogation;(viii) other ancillary purposes which are directly related to the above purposes; and(ix) complying with applicable laws, regulations or any industry codes or guidelines.
The Company may disclose your personal data for the above purposes to the following classes of transferees:(a) third party agents, contractors and advisors who provide administrative, communications, computer, payment, security or other services which
assist us to carry out the above purposes (including medical service providers, emergency assistance service providers, telemarketers, mailing houses, IT service providers and data processors);
(b) in the event of a claim, loss adjudicators, claims investigators and medical advisors;(c) in the event of default, debt collectors and recovery agents;(d) insurance reference bureaus or credit reference bureaus;(e) reinsurers and reinsurance brokers;(f) your insurance broker (if you have one);(g) the Company’s legal and professional advisors;(h) theCompany’srelatedcompanies(asthattermisdefinedintheCompaniesOrdinance);(i) any association, federation or similar organization of insurance companies ("Federation") and its members that exists or is formed from time to
time for any of the above or related purposes or to enable the Federation to carry out its regulatory functions or such other functions that may be assigned to the Federation from time to time and are reasonably required in the interest of the insurance industry or any member(s) of the Federation;
(j) any member(s) of the "Federation" by the "Federation" for any of the above or related purposes;(k) any related company or any other company carrying on insurance or reinsurance related business or an intermediary or a claims or investigation
or other service provider providing services relevant to insurance business for any of the above or related purposes;(l) the Insurance Claims Complaints Bureau and similar industry bodies; and(m) government agencies and authorities as required or permitted by law.
The Company is hereby authorized to obtain access to and/or to verify any of your data with the information collected by the Federation from the insurance industry.
Moreover, the Company may also use and disclose your personal data otherwise with your consent.
You have the right to obtain access to and to request correction of any personal information concerning yourself held by the Company. Requests for such access can be made to the Company’s Legal and Compliance Department (Tel: 2867 0888 / Fax: 3906 9939).
Use of Personal Data in Direct MarketingWith your written consent given for direct marketing purpose (which includes an indication of no objection), the Company intends to use your data in directmarketing.TheCompanywillonlyactinaccordancewiththerulesaboutdirectmarketingcontainedintheOrdinance.Pleasenotethat:(1) your name, contact details, products and services portfolio information and demographic data held by the Company may be used by the Company
in direct marketing from time to time;(2) the following classes of services, products and subjects may be marketed: (i) financial,insuranceandrelatedservicesandproducts; (ii) reward, loyalty or privileges programmes and related services and products;
IMPORTANT NOTICE 重要聲明Immediate notice should be given to the Company in the event of any accidental damage to the Motor Car and the Company may exercise its option to nominate a garage for te repair.
受保車輛因意外受損需作修理時，應立即通知本公司，而本公司可指定車廠進行修理。
In the event of cancellation or alteration of this Policy, the minimum Premium will be charged at the discretion of the Company.
若取消或更改本保單，本公司將酌情收取最低保費。
(iii) services and products offered by the Company's co-branding partners (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); and
(iv) donationsandcontributionsforcharitableand/ornon-profitmakingpurposes;(3) the above services, products and subjects may be provided to or (in the case of donations and contributions) contributed to by the Company and/
or: (i) theCompanyorBOCHongKong(Holdings)Limitedoranyofitssubsidiaries; (ii) third party reward, loyalty, co-branding or privileges programme providers; (iii) co-brandingpartnersoftheCompanyandBOCHongKong(Holdings)Limited(thenamesofsuchco-brandingpartnerscanbefoundon
the application form(s) for the relevant services and products, as the case may be); and (iv) charitableornon-profitmakingorganisations;(4) in addition to marketing the above services, products and subjects itself, the Company also intends to provide the data described in paragraph (1)
above to all or any of the persons described in paragraph (3) above for use by them in marketing those services, products and subjects, and the Company requires your written consent (which includes an indication of no objection) for that purpose;
If you do not wish the Company to use or provide to other persons your data for use in direct marketing as described above, you shall exercise your opt-out right by notifying the Legal and Compliance Department of the Company (Tel.:2867 0888, Fax no.:3906 9939).
MPC-P-2013-V09 2014-01 40,000 C&C
香港德輔道中 71 號永安集團大廈 9樓9/F., Wing On House, 71 Des Voeux Road Central, Hong Kong.
Tel: 2867 0888 Fax: 3906 9920查詢熱線 Enquiry Hotline: 3187 5100
Private Motor Car insuranCe PoliCy
Please read this Policy carefully upon receipt and promptly request for any necessary amendmentsPersonal Information Collection Statement
The information you provide to Bank of China Group Insurance Company Limited ("the Company") is collected to enable the Company to carry on insurance business and may be used for the purpose of:(i) processing and evaluating your insurance application and any future insurance application you may make;(ii) administering your insurance policy and providing services in relation to your insurance policy;(iii) analysis or investigating, processing and paying claims made under your insurance policy;(iv) invoicing and collecting premiums and outstanding amounts from you;(v) any alterations, variations, cancellation or renewal of any insurance related product or service;(vi) contacting you for any of the above purposes;(vii) exercising any right of subrogation;(viii) other ancillary purposes which are directly related to the above purposes; and(ix) complying with applicable laws, regulations or any industry codes or guidelines.
The Company may disclose your personal data for the above purposes to the following classes of transferees:(a) third party agents, contractors and advisors who provide administrative, communications, computer, payment, security or other services which
assist us to carry out the above purposes (including medical service providers, emergency assistance service providers, telemarketers, mailing houses, IT service providers and data processors);
(b) in the event of a claim, loss adjudicators, claims investigators and medical advisors;(c) in the event of default, debt collectors and recovery agents;(d) insurance reference bureaus or credit reference bureaus;(e) reinsurers and reinsurance brokers;(f) your insurance broker (if you have one);(g) the Company’s legal and professional advisors;(h) theCompany’srelatedcompanies(asthattermisdefinedintheCompaniesOrdinance);(i) any association, federation or similar organization of insurance companies ("Federation") and its members that exists or is formed from time to
time for any of the above or related purposes or to enable the Federation to carry out its regulatory functions or such other functions that may be assigned to the Federation from time to time and are reasonably required in the interest of the insurance industry or any member(s) of the Federation;
(j) any member(s) of the "Federation" by the "Federation" for any of the above or related purposes;(k) any related company or any other company carrying on insurance or reinsurance related business or an intermediary or a claims or investigation
or other service provider providing services relevant to insurance business for any of the above or related purposes;(l) the Insurance Claims Complaints Bureau and similar industry bodies; and(m) government agencies and authorities as required or permitted by law.
The Company is hereby authorized to obtain access to and/or to verify any of your data with the information collected by the Federation from the insurance industry.
Moreover, the Company may also use and disclose your personal data otherwise with your consent.
You have the right to obtain access to and to request correction of any personal information concerning yourself held by the Company. Requests for such access can be made to the Company’s Legal and Compliance Department (Tel: 2867 0888 / Fax: 3906 9939).
Use of Personal Data in Direct MarketingWith your written consent given for direct marketing purpose (which includes an indication of no objection), the Company intends to use your data in directmarketing.TheCompanywillonlyactinaccordancewiththerulesaboutdirectmarketingcontainedintheOrdinance.Pleasenotethat:(1) your name, contact details, products and services portfolio information and demographic data held by the Company may be used by the Company
in direct marketing from time to time;(2) the following classes of services, products and subjects may be marketed: (i) financial,insuranceandrelatedservicesandproducts; (ii) reward, loyalty or privileges programmes and related services and products;
IMPORTANT NOTICE 重要聲明Immediate notice should be given to the Company in the event of any accidental damage to the Motor Car and the Company may exercise its option to nominate a garage for te repair.
受保車輛因意外受損需作修理時，應立即通知本公司，而本公司可指定車廠進行修理。
In the event of cancellation or alteration of this Policy, the minimum Premium will be charged at the discretion of the Company.
若取消或更改本保單，本公司將酌情收取最低保費。
(iii) services and products offered by the Company's co-branding partners (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); and
(iv) donationsandcontributionsforcharitableand/ornon-profitmakingpurposes;(3) the above services, products and subjects may be provided to or (in the case of donations and contributions) contributed to by the Company and/
or: (i) theCompanyorBOCHongKong(Holdings)Limitedoranyofitssubsidiaries; (ii) third party reward, loyalty, co-branding or privileges programme providers; (iii) co-brandingpartnersoftheCompanyandBOCHongKong(Holdings)Limited(thenamesofsuchco-brandingpartnerscanbefoundon
the application form(s) for the relevant services and products, as the case may be); and (iv) charitableornon-profitmakingorganisations;(4) in addition to marketing the above services, products and subjects itself, the Company also intends to provide the data described in paragraph (1)
above to all or any of the persons described in paragraph (3) above for use by them in marketing those services, products and subjects, and the Company requires your written consent (which includes an indication of no objection) for that purpose;
If you do not wish the Company to use or provide to other persons your data for use in direct marketing as described above, you shall exercise your opt-out right by notifying the Legal and Compliance Department of the Company (Tel.:2867 0888, Fax no.:3906 9939).
MPC-P-2013-V09 2014-01 40,000 C&C
The following Extension Cover Clause is applicable if so stated in the Schedule.
EXTENSION COVER CLAUSE
P13 - Windscreen Excess Waiver
In respect of accidental damage of the windscreen only, the Company will waive the Excess for the first reinstatement
of windscreen applicable to Section (I) of the Policy and will not affect the No Claim Discount Protection accounted
for in the calculation of the above claim settlement in any one period.
P13B - Windscreen Excess Waiver (HK$5,000)
In respect of loss or damage occasioned to the windscreen and car windows the Company will pay up to HK$5,000
per event and sub-paragraph 7(d) under this Policy will not be applicable. It is further noted and agreed that any claim
made under this item will not affect the No Claim Discount Protection accounted for in the calculation of the total
claims settlement in any one period.
P17 - No Claim Discount Protection
If the total claim amount incurred during the period of insurance does not exceed 20% of the Insured Value or HK$
80,000 (whichever is the lesser), the Insured can continue to enjoy No Claim Discount as in the current Policy,
provided that the No Claim Discount granted by this benefit shall not be transferred to any other insurance company.
P19 - Medical Expenses
It is hereby noted and agreed that the limit of indemnity under paragraph 15-Section (III) Insurance - Indemnity of
Medical Expenses is increased from HK$2,000 to HK$10,000.
P38 - No Claim Discount Protection
If the total claim amount incurred during the period of insurance does not exceed 15% of the Insured Value or
HK$60,000 (whichever is the lesser), the Insured can continue to enjoy No Claim Discount as in the current Policy,
provided that the No Claim Discount granted by this benefit shall not be transferred to any other insurance company.
P47 - Personal Accident Protector (HK$100,000)
The Company will pay HK$100,000 as compensation for death of the Driver(s) stated in the Policy while driving the
Motor Car and caused solely by violent accidental external and visible means.
P49 - Windscreen Excess Waiver (HK$10,000)
In respect of loss or damage occasioned to the windscreen and car windows, the Company will pay up to HK$10,000
per event and sub-paragraph 7(d) under this Policy will not be applicable it is further noted and agreed that any claim
made under this item will not affect the No Claim Discount Protection accounted for in the calculation of the total
claims settlement in any one period.
P84 - Claim Recovery Service (85%)
In the event of the Company having paid a claim under this Policy, the Company agrees to pursue a claim against the
liable third party for the loss suffered by the Insured and the claim payment made by the Company as a result of the
accident. When the claim against the liable third party is successful, The Company will refund to the Insured a
pro-rata portion of the recovered amount corresponding to the Insured’s loss less any fees incurred by the Company in
pursuing the recovery action. If more than 85% of the claim payment made by the Company is recovered from the
liable third party, the Company agrees to reinstate the No Claim Discount as if no claim being made or arising during
the period of insurance, from the renewal(s) subsequent to the loss and refund to the Insured the difference in
premium paid as a result of the reduction of No Claim Discount.
In the event of the adjusted repairing cost of the Motor Car below the claims excesses applicable to Section (I) of this
Policy, the Company will, at the request of the Insured, provide a consultation service to assist the Insured in pursuing
the recovery from the liable third party.
